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Tax Returns Or No Tax Returns?

Angel Oak Mortgage Solutions should be your first call when working with a self-employed borrower. We have loan options and resources that other lending institutions do not offer. Our Bank Statement program is our most highly utilized loan product for good reason. There are many self-employed people who cannot qualify using tax returns. Instead, they can qualify using 12 or 24 months business or personal bank statements or 1099 earning statements.

For those self-employed or 1099 borrowers who can use tax returns to qualify, we will now accept only one year as long as it is the most recent tax return. This applies to Jumbo borrowers and those just two years out of foreclosure, bankruptcy, or deed-in-lieu.

Experience The Difference For Your Self-Employed Borrowers:


Bank Statement Review Team

Completely reviews, analyzes, and calculates income upfront for you to save you time.

Bank Statement Product
12 or 24 months personal or business bank statement submissions offering loans up to $3 million. Four years seasoning for foreclosure, bankruptcy, or deed-in-lieu.

1099 Income
1099 earners can use their statements in lieu of tax returns.  Use 1099s for the last year or last two years based on eligibility. 

Full Doc Platinum Jumbo
Now accepts one year tax returns for those eligible.

Full Doc Portfolio Select
Now accepts one year tax returns for those eligible. Ideal for those just two years out of foreclosure, bankruptcy, or deed-in-lieu.

​​​For more information visit www.angeloakms.com